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capquest chasing 18 year old debt
Hi, I have received a letter today from Capquest advising me that on 20/12/2006 they took legal ownership of a credit agreement with the AA and i am now to pay them the outstanding balance of £2464 made payable to Opos Ltd They have also advised me they would reduce the debt to £2488 - which is actually an increase - if i…
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Evening
Hi We need to borrow around 25k for home improvements. We are in a good position that we can do it is as additional borrowing or on a loan about same apr What would be best a loan on additional borrowing on our mortgage Thanks
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HSBC ARE NOT GIVING ME INFORMATION AFTER 2 YEARS OF ASKING
When I got sick several years ago, citizens advice took over my depts with my ex wife giving them the details, I have been paying an account with moorcroft , but recently saw the balance was over £17000.00 since I never had any account with HSBC for any thing like that amount I contacted moorcroft and explained this to…
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Why commission on ALL car sales credit agreements was bad for consumers
Martin suggests that we should think twice about complaining about commission to salesmen - I know the FCA will probably go for a no-claim approach IF the supreme court holds up the appeal court ruling, but the way commissions were applied absolutely disadvantaged consumers, and his stance disappoints me. We used to be…
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Bank Account for New Business - stay with current bank or branch out
Hello, I intend to open a
new business bank account for a limited company. Is it best to stay
with the bank which holds my personal account as they know that I am
credit worthy as have had loans before and always paid them back
without missing payments. I’ve seen another bank which offers
better terms for new business…
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Personal Guarantee
Hi All, I took out a Buy to Let Mortgage 3 years ago with a 5 year fixed term. The solicitors messed up and didn’t get me to sign a personal guarantee at the time I took out the loan, and are now asking me to sign it as the lender has requested a copy. I don’t think it is reasonable for this to be requested 3 years later,…
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Paypal balance
What is the best way to pay off my paypal balance. Currently only just paying interest, want to clear it
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Is a company geniune called Quick Money
Hi, I am suspicious but I just need confirmation. I have been applying online for a loan, but due to my poor credit history I have been rejected. However, I am being called on a daily basis from a mobile number from a company called Quick Money. They sound like they are working in an Indian Centre. They claim there website…
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Eligibility For Zopa Loan - After IVA ?
Hello !! Pls, I had a car finance loan with Zopa. I paid it off (while I had the IVA). When the defaults fall off by December, 6, 2025, by God's Grace, how easy will it be for me to get a personal loan with Zopa - given that I paid off the loan early & also, that I probably have a good internal credit score - with Zopa ?…
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Is it possible to give a secured loan to a family member
I have been asked to lend £10k to a family member who owns his house outright but needs to do some work on it prior to selling it. I have been promised the money back when he sells as he has no no other disposable income. Is it possible, as an individual to create a loan agreement that states that the full £10k must be…
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Amigo didn’t put guarantors name on contract
Hi, I’m getting a lot of hassle from Lantern UK… I’m autistic and don’t have any external support. so I was told to apply for the scheme where people were miss-sold loans about two years ago I think? My ex partner and I took out a loan to be able to move home, as it was urgent. This was in 2018. I was told that the…
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What to do?
I approached my bank for a loan 50k, they said is wasn't possible because of a business at the premises. I then looked for a mortgage, doable but would need to take out a building warranty insurance at around 9k, as a new build property. Thinking about other ways to finance my project, I can now probably raise 30k cash,…
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Applied for a loan so APR on other loans increased
I applied for a loan to buy a car, so it isn't a small loan, but I have a fantastic credit score. I went to Tesco Bank as they were offering 6.0% but was having issues applying online, so I called them late afternoon on Monday. I don't recall whether they told me before or after agreeing to a credit search that the offer…
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Need help with making decision on my car finance situation.
Hi guys I need an advice regarding paying off my car finance I currently own Honda Civic 1.5l 2017 Fk7 MK10. It’s reaching 100.000 miles and I paid off nearly 3 out of 5 years of the finance on it (£8.100 left to pay). I have decided that I will leave the UK forever next year due to family issues and I am trying to think…
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How to work out what might be cheaper - money transfer from a credit card, or a loan
My husband wants to borrow £3,000 to cover the cost of a lease extension. He is trying to compare whether it would be cheaper to do a money transfer from his credit card (currently zero balance) or get a bank loan. Either way, this value will be included in a re-mortgage in a few months time; so it is only a temporary loan…
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How to complain about excessive interest rates
Hello, We stupidly agreed to a loan with Shawbrook for repayment of our windows installed by Britelite. I have received our annual statement and we will be paying £7050 interest on a £5395 loan so far we’ve repaid about £7900 with a balance outstanding £3498. This feels like usury in this current climate. we haven’t…
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Court claim kearns solicitors
Hi apologies if I have posted this in the wrong thread. Basically I received a claim form for a debt with link financial/kearns. I rang them last Monday to explain my situation etc and offered a repayment plan if they agreed to not pursue the claim through court. They agreed the payment plan and said a letter will be sent…
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Heliodor Mortgages _Topaz Finance Ltd - not discharged a previously settled debt
Really seeking some advice, la catalogue of errors back in early 2022 by our solicitor (buying) and the sellers solicitor. Sellers Solicitor took an undertaking that a registered charge in favour of Topaz Finance Ltd Jan 2005 and an equitable charge in favour of Northern Rock May 2009. Having purchased the house and not…
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Use of interest free loan
My parents paid some time ago a big bill for me which was of significant benefit. They have also offered me an interest free loan which although I do not need right now I am thinking i could deposit in a savings account and return the interest I earn to my parents in gratitude for the bill they paid for me previously. My…
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Amigo Loan mis-sold
Hello, I was a full-time student when I took out a loan via Amigo Loans in 2014. They offered me the loan and I took it with a guarantor. I only worked 10 hours per week. Despite my limited income, I was offered this loan, which I could not realistically afford. Since then, I have remained in debt, still paying off a loan…
